TellerScore

Headquartered in New York, New York, Modern Bank, National Association is a national bank with $648.5M in total assets and $480.4M in deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1977.

Based on its Q2 2026 filing, Modern Bank, National Association scores 30/100, which we describe as low. That is higher than only 1% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 117th. Its strongest component is funding & liquidity (55/100; 100% loans-to-deposits, 20% uninsured), and its lowest is loan quality (0/100; 5.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.56%
Loan quality0/100
Noncurrent loans ÷ total loans: 5.60%
Earnings25/100
Return on assets (annualized): 0.13%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 99.8% · 19.6% uninsured
Problem-loan coverage27/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 36.56%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (32 → 30), mostly because the earnings component improved by 25 points.

TellerScore
263340Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202440
Q3 202438
Q4 202438
Q1 202533
Q2 202532
Q3 202533
Q4 202526
Q1 202630
Q2 202630
Tier 1 leverage ratio
5.00%8.44%11.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.41%
Q3 202410.54%
Q4 202410.70%
Q1 202511.40%
Q2 202511.15%
Q3 202511.88%
Q4 20259.50%
Q1 20269.69%
Q2 20269.56%
Noncurrent loans
2.67%4.87%7.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.67%
Q3 20244.89%
Q4 20246.52%
Q1 20256.81%
Q2 20257.07%
Q3 20256.31%
Q4 20255.61%
Q1 20265.37%
Q2 20265.60%
Return on assets
-2.85%-1.25%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.33%
Q4 20240.32%
Q1 2025-0.82%
Q2 2025-1.13%
Q3 2025-1.45%
Q4 2025-2.85%
Q1 20260.00%
Q2 20260.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202630$648.5M9.56%5.60%0.13%99.8%
Q1 202630$696.4M9.69%5.37%0.00%94.9%
Q4 202526$664.1M9.50%5.61%-2.85%93.4%
Q3 202533$660.0M11.88%6.31%-1.45%95.9%
Q2 202532$710.8M11.15%7.07%-1.13%86.5%
Q1 202533$744.3M11.40%6.81%-0.82%87.4%
Q4 202438$778.3M10.70%6.52%0.32%85.7%
Q3 202438$814.2M10.54%4.89%0.33%88.8%
Q2 202440$846.7M9.41%2.67%0.34%86.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.56%
23rd
Total risk-based capital14.21%
63rd
Problem loans5.60%
2nd
Net charge-offs0.00%
68th
Return on assets0.13%
5th
Net interest margin2.62%
4th
Efficiency ratio101.6%
2nd
Loans to deposits99.8%
10th
Uninsured deposits19.6%
66th
Loan-loss reserves1.49%
78th
Texas ratio36.6%
1st

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Spring BankBank Bronx, NY85 out of 100, Very strong$641.0M14.6%0.60%vs
Carver Federal Savings BankBank New York, NY23 out of 100, Low$658.1M8.7%3.46%vs
Tioga State Bank National AssociationBank Spencer, NY71 out of 100, Strong$625.2M11.4%1.00%vs
NewBankBank Flushing, NY58 out of 100, Moderate$618.0M15.0%2.65%vs
Empire State BankBank Staten Island, NY59 out of 100, Moderate$617.8M10.1%0.91%vs
Geddes Federal Savings and Loan AssociationBank Syracuse, NY74 out of 100, Strong$685.7M14.7%0.44%vs

Deposit insurance

Is my money safe at Modern Bank, National Association?

Yes. Modern Bank, National Association is an FDIC-insured institution (FDIC certificate #22398). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.6% of deposits ($93.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.56%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.21% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Modern Bank, National Association lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Modern Bank, National Association
Former names
Excel Bank, National Association; Union Chelsea National Bank
Type
National bank
FDIC certificate #
22398
RSSD ID
2398701
Primary regulator
OCC
Holding company
Modern Bank Management Llc
Established
January 1, 1977
Headquarters
410 Park Ave, New York, NY 10022
Employees
42

Quick answers

Modern Bank, National Association: common questions

Is Modern Bank, National Association FDIC insured?

Yes. Modern Bank, National Association is an FDIC-insured institution (FDIC certificate #22398). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Modern Bank, National Association's TellerScore?

30 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Modern Bank, National Association ever failed?

There is no failure record for FDIC certificate #22398 in the FDIC failed bank list.

How many branches does Modern Bank, National Association have?

2 offices as of the latest FDIC data, in 2 states.

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